1Same idea, made for two
Both apps give your money a plan before you spend it. Oaktally adds who paid, who owes whom and spending that stays private to each of you.
2Add spending as it happens
Say "coffee 4.50" or snap the receipt and Oaktally fills in the entry. Caps can be weekly or monthly per category.
3What Oaktally does not do yet
Oaktally does not connect to your bank. You add spending by voice, with a receipt photo or with a tap, which takes a few seconds and keeps you looking at every purchase.
4Checked on their own sites
Prices and features checked on each company's own site on October 20, 2026.
Frequently asked questions
Is Oaktally cheaper than YNAB?
Yes. Oaktally Basic is $5.99 a month and Premium is $12.99, both for two adults. YNAB lists $14.99 a month or $109 a year.
Can I move my YNAB budget?
Yes. Export a CSV from YNAB and import it into Oaktally, then review each row.
Does Oaktally work like YNAB's every-dollar budget?
Yes. Your expected income is split into categories and goals until nothing is left to plan, then spending fills each one.
Further reading
YNAB pricing ↗YNAB features ↗Educational examples, not individual financial advice.